- ( 40. 1...), 12 2008, 13.10, 223,,., :,.,.,,...: ( ):,.,,.,...,, 41...,..... ( ):,,,. 86%,.,,,,, 50,08%,. : ; 20 bancassurance.? bancassurance. Groupama ( ) ;. :, Bank Assurance,,.,,..,, bank assurance,,.,.,,,, 58.,,.,.,.. 1980 2.928.834. 2007 ( ) 22.695.834. 675% 27 25%.,,,.. 1
; ;... :,,..,,. 7,,,,.,,,., 30.9 -, 8,9%.,, «2», 1 2008., 2010,,,. «Solvency 2». -,, Eurobank 2007 2008,.,. ; ; :,, 1999,,,., 2005,. ;,,,,,. 1999, Solvency II. :,, 50,08%,,.,,,,,,.,.,.. 5.. bancassurance 2004; :,, 50,08%,, 123.,, :,, 123 -.,.,.,,,., 2
. «2», Alpha Bank Alpha,, Groupama, Proton Marfin,. ALPHA BANK, Alpha, 2008 Alphalife A.A.E.. Credit Agricole. -, ( ) : ) ( ) Emporiki Life ( ) )...... Alpha, Eurobank Eurolife (2,, );,., PROTON PROTON.,,..,,. ;..,,,. :,,,,,,.,,,,,.,,, -.,,, management,., 3
,..., -.,,!!! :. 1929, - Blass Stigal. 1999, - deregulation. Gram Leads Bliley.,, AIG., - -,. 23 2008,, Ergo -, Eurobama -, Mapthe Aspirs Commercial Value., Deloed,, Ergo Groupama,., 11 2008.,, 2 - Ergo Groupama -, 5 2008,.,,.,,,,,, 26 2008. 6 2008,, Groupama,,.,,,,, «A plus»., 6 2008 5 2008,,. : :, ( 50,08% ) ; ;, ; ( ), ;. ; ;, ; :,,. ( ):.,,.,., Groupama Ergo, -,.,,,..,,,,.,,,.,,., 36.400,., 4
,..,,.,., - - - -. : -,, 88.000, 10.000 -, 36.400.,,.,.,,..,...,. ;, Groupama, ;,,; 4,5. ;,.... Bancassurance.,, -, Bancassurance;. :,,. 0,1, 193.000,.,..,,,.,,,.,,, 124.000...-.,.,. 5
:,,,.. 5,,.,,.,,.. 6 1999.. ; (. )... 23 2002.... ;..... :, 2004.,. 2002 2003 62.,,.,,., ( ; ; ;) (1990 1993). 2002-2003 62.000.000, ( ) 42.449.964, 15.623.309............ 6.000.000.,... 2004, 94.316.000, 18.500.000.,....,, ;,.,,. :,,.,. 30 2008 8 6
, 8. 2004. 4 6,7 % 8 4,2%, 37%. 2004, ;. : 36.400, 88.000 ;., Solvency 2. ; ( 77,1%...)., 22,9%...;,...; ; :, bank assurance,. 50,08,.,.,.., 88.000, 10.000...... ( ):.. :,,,,.,.,,,...,,.,,,,,,,,,,,.,,,,,,.. ( ):.. :,,,,,,,,.,,,,,,, - -,,,,, 7
, ;, 2/7/2008 17/10/2008 2000-2004 134.418. 96..,..,., ; 2004 24,261.,.,, 22/12/2004 25/5/2005.,,,,,,,,,,., 1980,,,,,,, ',,. 96., ;,,.,,, ;,,, 290.024 202.. 919.476, 315,4%.,,, 8.500.,,..,,,. «golden boys».,, 182, 202 ; ( ):.. :,,,,,,,,,,,,.,..,,.,,,., 2002 2008,., 2008 16% 2007..., 354 2005 2,2%,.. 8,6%.,..,.,.,., ;, ; 8
,, - ;,, ; ; Groupama.,.. ( ):,.. :,.. 2..,,.,.,.,..,.., ;,,. ; ; ;,,,. ( ):.. ( ) :,,.,,, 2005 2005 8,308, 2006 13,655, 2007 18,193...., 1.12.2006 40.977.000.,..,.., ;,.,.,,.. ; ; 8%. ( ).,,.,,,... ( ):, 9
,.,, -.,.,,,,.. :,., 125., ;,,., ; ;,,.,.,. ( ):. :,.,,.,,.,,...,. ING.,,..,,.,...,.,.,.,,,.,,.,,,., GROUPAMA,,....,,,,., back assurance,.,,,,,. ( ):. :,.,,,,,,,.,..,,.,,.,,,.,,,, ;,... -,,.,,.,. ; ( ):.. 10
:,,,,.,,..,,,,.,,..,,,, ;,.,.,,,. «.», Groupama. ;, ;,. ( ):.. :,,.,,,. 31, 5 ;,, ; Leeman Brothers, PROTON ;.. 88% ;, ; ( ):.. 11